never a transaction fee 
 With fee-free transactions

​Free Visa Debit/ATM Card


Pay for purchases and withdraw cash

  • Present your debit card as payment, sign a sales slip, and each purchase is automatically deducted from your checking account.

  • There is never a transaction fee and every transaction will be detailed on your monthly statement or can be viewed in MyCoVantage online and mobile banking.

  • You don’t need to enter your PIN (Personal Identification Number). Choose "credit" at the checkout to ensure you're accessing the Visa network. However, if you want cash back when making a purchase, you must enter your PIN. In this case, choose "debit."

  • Use your card to get cash from your CoVantage checking or savings account without being assessed a fee by CoVantage. (Note: Unless you are using an Alliance One or CO-OP network ATM or a CoVantage-owned ATM, surcharge fees assessed by the owner of an ATM may apply.)

  • Enjoy surcharge-free ATM withdrawals at over 30,000 ATMs that are part of the nationwide Alliance One or CO-OP Networks. To find one near you, click here.

​Enhanced Security

  • To stop fraudulent activity on your card, you will be sent messages, via email, text, or voice when suspicious activity occurs.
  • You can freeze your card at any time using the MyCoVantage online and mobile banking Card Manager.


Change it Up Debit Card Automatic Savings Program

Watch your extra change add up!

CoVantage's automatic savings program helps you save money with every debit card transaction. You'll be saving while you spend! Because we're committed to helping you increase your savings, CoVantage will match 5% of all Change It Up transfers in your savings account. Enroll in Change It Up through MyCoVantage, or with a staff member in person or over the phone.  

How it works:

  1. Use your CoVantage Visa debit card each time you make a purchase.
  2. Your daily debit card transactions are rounded up to the next whole dollar. All rounded-up amounts from debit card purchases are aggregated and automatically transferred in one lump sum from your checking account to your membership share (savings) account at the end of each day.
  3. The funds in your savings account can be used whenever you need them and additional money (outside of the savings program) can be added to the account at any time.
  4. At the end of the year, receive a 5% bonus on the money you've saved through the Change It Up program.
Daily debit card Purchases      Debit Card Posting Amount  Round Up Amount​​Difference
Grocery store​$24.20​​$25.00​$.80
Gas station​$32.07​​$33.00​$.93
Retail store​$12.45​​$13.00​$.55
Total transferred from your checking to your savings at the end of the day​ ​ ​ $2.28
The more you use your debit card to make everyday purchases, the more you'll save!​​​ ​

Use your CoVantage ATM/debit card and each purchase will be automatically deducted from your account!


Related Pages

  • ATM Locator


Important Numbers

Lost or Stolen Credit Card, Check Card, Load n'Go, or HSA Card:

  • During Business Hours

  • After Hours

For 24 hour support unlocking your account or if your Card is declined:

  • During Business Hours
  • After Hours (declined card only)


Further Info


ATM/Debit Card Order Form [PDF]

Disputed Transaction Form [PDF]​

Change It Up Terms and Conditions​ [PDF]